Chase Sapphire Reserve vs Capital One Venture X
Chase Sapphire Reserve edges Capital One Venture X on year-1 math ($3,100 more value at 1.8¢/pt).
Quick verdict
Chase Sapphire Reserve edges Capital One Venture X on year-1 math ($3,100 more value at 1.8¢/pt)
Chase Sapphire Reserve: $1,899 recurring credits + $2,700 welcome bonus − $795 AF = $3,804 net. Capital One Venture X: $1,099 recurring credits + $0 welcome bonus − $395 AF = $704 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Chase Sapphire Reserve | Capital One Venture X | |
|---|---|---|
| Annual fee | $795 | $395 |
| Welcome bonus | 150,000 pts after $6,000 in 3mo | — |
| Welcome bonus value @ 1.8¢ | $2,700 | — |
| Free-night cert | — | — |
| Recurring credits / year | $1,899 | $1,099 |
| Year-1 net @ 1.8¢ | $3,804 | $704 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Chase Sapphire Reserve
6 recurring credits
- The Edit by Chase Travel$250 · Semi-annual
- Sapphire Exclusive Tables Dining$150 · Semi-annual
- Priority Pass Select$469 · Annual
- Travel Credit$300 · Annual
- Sapphire Lounge access$300 · Annual
- Global Entry / TSA PreCheck$120 · Every 4 years
Capital One Venture X
4 recurring credits
- Priority Pass Select$469 · Annual
- Travel Credit$300 · Annual
- Capital One Lounge access$300 · Annual
- Global Entry / TSA PreCheck$120 · Every 4 years
Pick Chase Sapphire Reserve if
the recurring credits stack is richer ($1,899 vs $1,099); the welcome bonus pays more at 1.8¢/pt ($2,700 vs $0).
Pick Capital One Venture X if
the AF is meaningfully lower ($395 vs $795).